ADVICE ARTICLES

Welcome to the Advice area. Here you can read general advice articles on money topics – including tips and tricks to saving money, managing loans and where to source the best currency services. Note that the articles provided here are not intended to provide personal financial advice.

Business credit cards – are they useful at all?03 July 2013James LarkinBusiness credit cards help to separate private from business expenditure, they make it easier to pay out expenses, and they come with lot of extra features. No matter whether for a new business or an established firm, for a factory with many employees or for a small family business – a business credit card helps to keep business costs under controlRead More >>

Why travel insurance is a good travelling companion06 June 2013Mark MaffiaTaking out travel insurance should be part of preparing every journey. Especially if going abroad, a travel insurance policy should be taken out together with booking your holiday or business trip. Travel insurance protects yourself and your belongings when you are away from home. Read More >>

Who needs home insurance?22 May 2013James LarkinHome insurance is one of the most important insurances you can have, because it protects everything you own. Most of the things which you have acquired during your life will usually be in your home, and if anything happens it means you lose everything you haveRead More >>

How to find the best exchange rates24 April 2013Mark MaffiaFinding the best exchange rates can be very important when sending money abroad, especially when dealing with a high sum. This could be, for example, the payment for a property one has purchased or for setting up regular money transferRead More >>

Taking out a loan in spite of a bad credit history?03 April 2013James LarkinPeople who have been turned down by their bank still can apply for a bad credit loan. Bad credit loans are designed for people who have do not have a very good credit history. They are more flexible than other loans, but don't have to be repaid as quickly as payday loans.Read More >>

Life insurance – why is it important?26 March 2013James LarkinThe main point of life insurance is to protect your loved ones in the event of your death. If the main breadwinner of a family suddenly dies it can mean financial misery for the surviving dependents unless one has made sure well in advance that they always will be looked afterRead More >>

Which Foreign Exchange Service?23 October 2012Which Way to Pay CanadaThousands of Canadians need to send and receive money from all over the world on a regular basis. There is a variety of ways of doing this, so let us find out which is the best for low cost, high excellence and fast speeds.Read More >>

Sony Card MasterCard Credit Card26 September 2012 11:00amWhich Way to PayNew Product! Discover the advantages of the Sony Card. With a quick application, upon approval you can start earning Rewards Points‡ for Sony merchandise. Become a Sony Card Member and get 2,000 Sony BONUS POINTS. Receive an Internet Player with Google TV when you use your new Sonycard MasterCard® credit card to make qualifying purchases† totalling $150 before November 30, 2012.Read More >>

All You Need To Know About Consolidation Loans02 August 2012 13:00 Lucy Williams Thousands of people in Canada struggle with debt and managing their finances. If you are under financial strain and facing mountains of debt you will know that it’s not a great situation to be in. When you are struggling to pay urgent bills or even make repayments on other loans a consolidation loan can help you.Read More >>

Get Car Insurance Today19 July 2012 12:00 Lucy Williams It is part of the Canadian law to have vehicle insurance so if you drive a car you must make sure that your vehicle is fully insured. In the event of an accident where you, your vehicle or a third party is injured, car insurance will cover the expenses that can often be huge.Read More >>

All You Need To Know About Bad Credit Loans14 June 2012 10:00amVictoria WedderburnThere are thousands of people across Canada who have a bad credit rating. Bad credit loans are loans designed for those who have been turned away by conventional lenders because of their credit history.Read More >>

Can Payday Loans Ever Be The Right Choice?01 June 2012 14:30Mark MaffiaDespite the bad press, can payday loans be the right choice for you in certain circumstances? With payday loans they are very fast and accessible because the application can take minutes and there are minimal if no credit checks.Read More >>

Peace Of Mind With Pet Insurance23 May 2012 15:00Mark MaffiaIf like thousands of Canadians you own a pet and it suffers illness or injury it can cost thousands of dollars for veterinary bills. Pet insurance can help you avoid a very difficult decision should your animal need treatment which you cannot afford.Read More >>

Add Value To Your Firm With A Business Credit Card10 May 2012 11:00amJack StuppleIf you want a way to separate your business expenses from your personal ones you might want to consider a business credit card. Whatever the size of your business, whether you are just starting out or are already an established firm a business credit card can add value to your company.Read More >>

Life Insurance Explained30 April 2012 13:00Jack StuppleMost of us would rather not think about what things would be like if we were not around. However, in order to make sure your loved ones are cared for getting life insurance can be a necessary purchase and one that we will all consider. Read More >>

Been Refused A Credit Card Because of Bad Credit?23 April 2012 10:00amJack StupplePeople with a poor credit rating will struggle to obtain the credit card they want. Those with little or no credit are also likely to be refused. On the Canadian market today there are credit cards specifically designed for people with a poor credit history. Read More >>

Need A Loan For A Car?18 April 2012 12:00pmVictoria WedderburnFor financial help in taking home the car you want there are car loans. They are easy to apply for and you can take possession of the car straightaway.Read More >>

Debt Consolidation Loans Explained12 April 2012 14:00Victoria WedderburnIf you are struggling to deal with multiple debts each month, a consolidation loan can help.The main advantage is that you can stay on top of your monthly outgoings and know exactly how much you debt is costing you and when you will pay.Read More >>

How To Choose A Travel Insurance Policy29 March 2012 13:00Florence FullaloveWith travel insurance you need a policy that you can trust will cover you in any unexpected situation while abroad. You should read the policy carefully to make sure it suits you and your travel needs. Read More >>

Why Take Out Life Insurance?16 March 2012 07:30amJack StuppleIf you have anyone who is financially dependent on you then life insurance is really important if you want to ensure that your loved ones are taken care of when you die. Read More >>

Do You Need a Consolidation Loan?27 January 2012Which Way to PayOwing money to lots of different lenders can be hard to keep up with; different amounts, different deadlines, different interest rates. A consolidation loan could really help to take the pressure of you and your finances.Read More >>

How To Cut Costs In Your Business10 January 2012Which Way to PayBusiness credit cards offer business owners a unique opportunity to build business credit which will come in hand if you hope to expand your business in the future and are looking to apply for a loan as a good business credit card rating will put you in good stead to realise your business aspirations. Read More >>

Why Take Out a Personal Loan?04 January 2012Which Way to Pay A personal loan is granted for personal use, is usually unsecured, which means you don’t need any collateral to be approved, and based on the borrower’s ability to pay. Read More >>

Consolidation Loan Explained21 December 2011Which Way to PayThere are various things you can do if you are struggling with debt. One of the most common remedies is a consolidation loan. This is a loan which enables you to pay off all of your existing creditors, thus leaving you with one lower monthly repayment. Read More >>

Positive Data Sees TSX and Loonie Rise21 December 2011Which Way to PayThe Canadian dollar saw gains of nearly a cent, along with the TSX index closing up almost 200 points as new confidence in the eurozone grew as well as positive inflation data released yesterday. The S&P/TSX composite index gained 193.73 points or about 1.7%, taking it up to 11,733.43. Read More >>

Payday Loans Explained!20 December 2011Which Way to PayIf you are short of cash and can’t wait for your next payday, then a payday loan could be the answer. These loans are designed especially for people who need to borrow a relatively small amount of money for a short time. Read More >>

Want to Get Out of Debt?19 December 2011Which Way to PayBeing in debt can take over your whole life. The worry over meeting repayments, escalating interest rates and in severe cases the bailiffs knocking on the door. It is also easy to feel isolated if you don’t know where to go for help. There is no need to feel like this however, as there are lots of different solutions to your debt problems.Read More >>

Want to Repair Your Credit Rating?16 December 2011Which Way to PayIt might seem illogical to repair your credit rating with a loan, but this is a great way to go about it. With a credit repair loan, you can improve your rating with very little effort on your part. Read More >>

What Rewards Can You Get with Your Credit Card?15 December 2011Which Way to PayMost of us have a credit card as it’s an easy and cheap way to borrow money short term and keep your finances ticking over. Normal credit cards are accepted all over the world, allow you to take cash out of ATMs, pay low interest and insure when buying online.Read More >>

Save Money on Gas!13 December 2011Which Way to PayThe price of fuel has gone up all over the world recently, Canada included. It sometimes feels like there is little we can do about our vast outgoings, but when it comes to the amount of money we spend on fuel, there are things you can do to keep costs down.

Save Up to $2500 a Year on Lunch!07 December 2011Which Way to PayWe are all guilty of spending too much money on lunch during the week. Whether you are really busy or just like something nice for lunch to look forward to, paying for food really mounts up. If you spend on average $10 a day on lunch, snacks or coffee, this amounts to $2500 a year! Read More >>

How a Payday Loan Could Help06 December 2011Which Way to PayWe all have those months where our wages simply aren’t enough, especially if you are confronted with an unexpected bill, car repair or other expense. Payday loans are one such loan that has exploded onto the market in recent years.

Save Up to $2500 a Year on Lunch!05 December 2011Which Way to PayWe are all guilty of spending too much money on lunch during the week. Whether you are really busy or just like something nice for lunch to look forward to, paying for food really mounts up. If you spend on average $10 a day on lunch, snacks or coffee, this amounts to $2500 a year! Read More >>

5 Fees and Charges to Avoid!02 December 2011Which Way to PayAll of our finances are feeling the strain at the moment. With everything costing so much and many of us experiencing freezes in pay, none of us can afford to waste money on charges or fees that we can potentially avoid. Some of these are really easy to avoid, you just have to be aware of them.Read More >>

Get a Payday Loan Today01 December 2011Which Way to PayShort of cash? Can’t wait until your next paycheque? Then a payday loan could be the answer! These loans are designed to help you out until you next get paid. This means that you can borrow anything up to $1500 for a couple of weeks to a month. Read More >>

In Debt? Get a Consolidation Loan!30 November 2011Which Way to PayHaving large debts can be extremely stressful; it’s easy to lose sleep over owing big sums of money. If you have got to the point of no return and need help managing your debts, then a consolidation loan could be the answer to your prayers.Read More >>

Cycle to Work and Start Saving Money Today!29 November 2011Which Way to PayNo one like commuting to work; whether you sit in traffic for ages, or get the crowded subway or bus, travelling at the same time in the same way as everyone else eats time out of out working week. Have you thought about cycling to work?Read More >>

Start Saving on Gas Today!28 November 2011Which Way to PayWith our cars guzzling more and more gas, and the price going up and up, we all want to save money on filling up the tank wherever we can. Just follow these simple tips to start saving money today.

Need Identity Theft Protection?25 November 2011Which Way to PayThe way in which we bank is getting more and more technologically advanced. Although this has a plethora of advantages, it also means that your details can be more easily stolen and used by thieves.Read More >>

Start Saving Money on Food Today!24 November 2011Which Way to PaySpending money on food can seem like it’s never ending. Every day most of us will buy something for breakfast, lunch or dinner, and it really mounts up. If you feel like you’re spending too much money on food, then these tips will help you start saving today.Read More >>

Save Money on Your Energy Bill!23 November 2011Which Way to PayThe price of energy is on the up, and it doesn’t seem that our increasing bills will let up any time soon. As many of us are having to live off a lower disposable income, it’s important to keep unnecessary expenses to a minimum so that we can afford the standard of living we have become accustomed to.Read More >>

Do You Need a Consolidation Loan?22 November 2011Which Way to PayIf you’re in debt, then you know how stressful it can be. Owing money to lots of different lenders can be hard to keep up with; different amounts, different deadlines, different interest rates. A consolidation loan could really help to take the pressure of you and your finances.Read More >>

Payday Loans Explained!21 November 2011Which Way to PayEveryone has had those months when you just don’t have enough money to see you through until next payday. This is what payday loans are designed for; these loans allow you to borrow a relatively small sum of money for a short period of time to get you through the rest of the month. Read More >>

5 Fees and Charges You Can Easily Avoid!18 November 2011Which Way to PayNone of us can really afford to waste money at the moment, especially not on fees and charges. By being aware of where these fees and charges lie, you can avoid paying when you don’t have to. Here are 5 basic fees that are easily dodged!Read More >>

Teach Your Kids About the Value of Money17 November 2011Which Way to PayMany of us are not able to spend as much time with our children as we might want to. Working hard to provide your children with everything they need is very important, but it can mean we can indulge them to appease our guilt over not spending enough time with them.Read More >>

Start Saving Money on Food Now!16 November 2011Which Way to PayOne of our biggest outgoings is food. Prices are high and it is after all an unavoidable expense. Although buying food is something everyone has to do, there ways of doing it cheaply and saving money. Read More >>

Run Out of Cash? Get a Payday Loan Today14 November 2011Which Way to PayIf you are running out of money in a given month, and can’t get the cash you need from a friend or relative, then a payday loan could help you out. Whether you just run out of money before payday, or need a lump sum to pay an unexpected bill, then a payday loan can get you the cash you need on the same day as you apply.

5 Tips to Save Money on Gasoline11 November 2011Which Way to PayAs the price of gasoline goes up, many of us are not reducing the amount of time we spend in the car, so we are simply paying more. Saving gas is a great place to start, and it’s good for the environment!

Cycle to Work and Start Saving Money Today!09 November 2011Which Way to PayThe daily grind of travelling to work can be exhausting. If you travel by car, then you know how much time you can spend sitting in rush hour traffic. So why not cycle to work? It’s free, apart from the bike, and it’s good for you!Read More >>

How Keeping a Diary Could Save you Thousands of Dollars08 November 2011Which Way to PayIt can be difficult to identify the weaknesses in your finances, especially if you are busy with work and home life. Saving money is not easy as prices rise and pay is frozen. A great place to start is to keep a diary of all your outgoings.Read More >>

Need Some Money Fast? Get a Payday Loan Today!07 November 2011Which Way to PayWe all have those months where your money just won’t stretch far enough. Whatever the reason for this, be it an unexpected bill, an expensive weekend or a car repair, it can be hard to find the extra cash when you need it the most. Here is where a payday loan could get you out of a tight corner.Read More >>

5 Fees and Charges to Avoid!03 November 2011Which Way to PayWasting money is simply not an option at the moment. Here are five of the most common fees and charges to avoid.

Save Thousands of Dollars Every Year on Lunch!02 November 2011Which Way to PayIt might be hard to believe, but you could save thousands of dollars every year just on lunch! Having a nice lunch, snack or drink at work can make the long day go a little quicker, but are often pricey.Read More >>

Mounting Debts? Get a Consolidation Loan Today!01 November 2011Which Way to PayBeing in debt is no fun at all, especially if you have high monthly outgoings to more than one creditor. A consolidation loan could be the answer to your troubles! These loans make it possible to pay off all of your debts at once, so only owe one creditor. Read More >>

How Healthy Living Could Save you Money!31 October 2011Which Way to PayWe all want to save money, but it’s hard to see where to cut back sometimes. A great place for us to start is by looking at our lifestyles. Whatever your luxury or indulgence is, there are ways of cutting back that will often benefit your health as well as your bank balance. Read More >>

Get a Payday Loan Today!28 October 2011Which Way to PayIf you simply don’t have enough money to get through until next payday, then a payday loan could be the answer. Whether you get a unexpectedly big bill through the door, or your car breaks down, these loans offer and fast and easy way to get hold of some cash. Read More >>